Does not affect. Provident fund loans mainly examine the borrower's income, debt capacity and credit status. If the loan of Zhaolian Finance has been paid off and there are no other bad credit records, it will not affect the provident fund loan. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.